Does bad credit stop me getting car finance?
No, bad credit does not automatically stop you. Some lenders specialise in helping people with a poor or thin credit history.
Bad credit makes finance harder, but it does not shut the door. Several lenders on our panel work specifically with people who have defaults, missed payments, or a low credit score.
They look at more than one number. Your current income, how stable your situation is now, and whether the repayments are affordable all matter. A recent history of paying bills on time helps, even if there are older problems.
A few things can lift your chances:
- A deposit, even a small one
- Choosing a sensible, lower-priced car
- Having your income documents ready
We cannot guarantee approval, it depends on the lender and your situation, but we run one soft check and match you to the lenders most likely to approve you. See bad credit car finance or get your fair rate.
See your repayments, then get a fair rate.
One application, one soft credit check, no obligation. We match you to the lender most likely to give you a fair go.